Author: Joel Sandwith, LIT

I am very pleased to announce that Hoyes, Michalos & Associates Inc will once again be a sponsor for this year’s IronKids Triathlon! This is our second year sponsoring this amazing event at the St.... Read more »

We work closely with several local credit counselling agencies so it’s not unusual for clients to be referred to our offices from credit counsellors. Sometimes they are sent straight to our office because it’s obvious that... Read more »

Like many people Kevin (not his real name) never budgeted. Now divorced he found himself in over his head financially. Kevin and his now ex-spouse divorced 4 years ago. They share custody of three kids.... Read more »

You made the decision to deal with your debts. You met with a trustee, filed bankruptcy and have a plan to get your fresh start. So why are you still receiving calls from collection agents telling... Read more »

We receive calls every day from people asking whether or not they qualify for a consumer proposal and how the proposal process works. There are many factors to take into account when filing a consumer proposal. One of... Read more »

“Medical bankruptcy” is very common in the United States, when high medical bills force people into bankruptcy. We assume that because Canada has “free” health care medical bankruptcy doesn’t occur here, but that’s only partially true. ... Read more »

When you talk to a trustee at your initial debt assessment, one of the questions we will ask is “who do you owe money to?” This question, if answered properly, can provide the trustee with... Read more »

If you are deep in debt you may be struggling with the question: should you file bankruptcy? We know that making a choice to declare personal bankruptcy is not easy, nor is it always the... Read more »